Chubb has developed a network of more than 120 top employment law firms, human resources and risk management consulting firms,
and labor economist statistical firms that offer specialized services designed to help companies deal effectively with employment
issues. Not only are these pre-approved firms available to our customers at preferred rates, but we will reimburse customers for a portion of the cost of those services that directly relate to the coverage offered under our EPLI policy.

Chubb chose its network of quality vendors with the goal of assuring customer satisfaction. The wide selection of vendors
assures that customers will be able to find someone that meets their needs, even if their needs change over time. The cost-sharing
system assures preferred rates, as well as customer commitment to take action. Customers make their own vendor selections
from the network.*

How It Works

The customer determines that it needs loss prevention assistance on an employment matter--such as diversity awareness or discrimination
training, updating its employment handbook, putting together an affirmative action plan, assessing pay-equity exposure, etc.

The customer accesses Chubb's on-line directory of more than 120 pre-approved vendors.

The customer selects one or more vendors from the list and makes direct contact to arrange for services. We may allow a customer
to use a vendor that is not on our list, as long as we approve that vendor in advance.*

Once the services are delivered and an invoice is issued, we reimburse the customer for 50% of the cost of the qualified services, up to 10% of the customer's EPLI premium.

*Please note that services must be rendered and invoices must be submitted to Chubb during the policy period. Services rendered
by one's own organization are not eligible for reimbursement.

The scope of employment practices loss prevention services provided under Chubb's program must directly relate to the coverage
provided under a Chubb EPL policy or insuring clause. By way of example, any employment practice loss prevention services
related to union contract negotiations would not be considered a reimbursable service as liability relating to such negotiations
is excluded under a Chubb EPL policy or insuring clause. Moreover, defense of employment litigation, matters before administrative
agencies, or demands for monetary damages would not be considered a reimbursable service either, since a Chubb EPL policy
or insuring clause addresses such legal expenses. If you are unsure whether a service falls within the scope of the program,
contact your agent or local Chubb underwriter.

In addition, Chubb only covers costs directly relating to the content of the loss prevention. Chubb will not reimburse for
ancillary travel or other services, nor do we pay the customer's internal expenses for staff, equipment, or supplies.

Note: In order to provide you with a full understanding of the expertise of the firms in the network, some of the vendor profiles
include services that may not be covered under Chubb's employment practices loss prevention services.